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Qualify using bank statements and/or asset depletion and amortization

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SMARTSELF A non-QM solution, SmartSelf is ideal for borrowers requiring the use of bank statements and/or asset amortization to qualify.   HIGHLIGHTS: 660 minimum credit score 85% loan-to-value (LTV) for primary residence 75% loan-to-value (LTV) for second homes and investment homes 50% maximum debt-to-income ratio (DTI) Loan amounts up to $2M on purchases and rate & term refinances of primary residence 12 or 24- month bank statement options No tax returns or tax transcripts required $500,000 maximum cash in hand for primary residences and second homes 30-year fixed rate 30-year and 40-year fixed-rate interest-only options available  10-year interest-only period 5/6, 7/6, and 10/6 adjustable-rate mortgage (ARM) and interest only options SMARTEDGE A non-QM solution, SmartEdge offers competitive financing solutions for borrowers who fall just outside of standard agency and prime jumbo programs due to a credit event or other isolated lapse in their credit performance.   ...